In a financial landscape marked by increasing economic volatility, geopolitical uncertainties, and sector-specific downturns, financial institutions are under growing pressure to manage distressed credit exposures with precision and foresight. The Distressed Debt and Problem Loan Restructuring training by Pideya Learning Academy is designed to help banking and credit professionals develop a strategic and technical approach to restructuring problem loans. As institutions struggle to strike a balance between short-term recoveries and long-term asset preservation, this course enables participants to identify, analyze, and implement appropriate restructuring or recovery strategies across diverse lending portfolios.
Global debt levels have reached unprecedented highs, with the International Monetary Fund (IMF) reporting a record of $235 trillion in total debt in 2023, nearly 60% of which stems from the private sector. Furthermore, the World Bank cautions that credit losses in developing and emerging markets could increase by 30–40% in the coming years due to delayed interventions and inadequate restructuring approaches. These figures emphasize the urgent need for timely and targeted credit recovery solutions—a demand that this Pideya Learning Academy program addresses through a multidimensional training experience.
Participants of the Distressed Debt and Problem Loan Restructuring course will gain deep insights into the lifecycle of distressed loans, beginning with early detection of financial stress signals and progressing through borrower evaluation, negotiation, and restructuring execution. The course focuses on building the competence to analyze complex loan structures, assess sector-specific risks, and develop tailored recovery plans that align with institutional risk appetite and regulatory expectations.
Key highlights of the training include:
Comprehensive techniques for identifying borrower financial distress and performing risk profiling based on cash flows, industry volatility, and credit history
Detailed comparison of liquidation and restructuring options, including financial, legal, and reputational trade-offs for lenders
Real-world case study reviews from industries such as energy, manufacturing, retail, and transportation, enabling participants to apply theory to relevant sectors
Negotiation frameworks for managing multi-lender syndications, with emphasis on inter-creditor arrangements and shared risk management
Tools for implementing debt restructuring instruments such as debt-for-equity swaps and asset sales, including valuation techniques and restructuring waterfall modeling
Understanding of statutory priorities, insolvency frameworks, and creditor rights, which influence legal standing and recoverability in distressed lending situations
The course also introduces advanced decision-making frameworks that help professionals evaluate borrower turnaround potential, design recovery pathways, and avoid “extend-and-pretend” restructuring pitfalls. Participants will enhance their ability to collaborate across credit, legal, and executive teams to drive outcomes that support both borrower rehabilitation and institutional returns.
By integrating these elements, Pideya Learning Academy ensures that attendees are not only well-versed in restructuring mechanics but also equipped with the strategic thinking necessary to lead complex credit recovery initiatives. The course encourages a proactive and informed approach to distressed lending that balances commercial judgment, financial analysis, and legal compliance.
Whether the challenge is managing a mid-sized corporate workout or navigating a high-stakes restructuring involving syndicated exposure, this training ensures participants leave with actionable skills and the confidence to manage distressed loans end-to-end. With a focus on real-world relevance, regulatory alignment, and value preservation, the Distressed Debt and Problem Loan Restructuring course is a vital learning journey for today’s credit and restructuring professionals.

Key Takeaways:

• Comprehensive techniques for identifying borrower financial distress and performing risk profiling based on cash flows, industry volatility, and credit history
• Detailed comparison of liquidation and restructuring options, including financial, legal, and reputational trade-offs for lenders
• Real-world case study reviews from industries such as energy, manufacturing, retail, and transportation, enabling participants to apply theory to relevant sectors
• Negotiation frameworks for managing multi-lender syndications, with emphasis on inter-creditor arrangements and shared risk management
• Tools for implementing debt restructuring instruments such as debt-for-equity swaps and asset sales, including valuation techniques and restructuring waterfall modeling
• Understanding of statutory priorities, insolvency frameworks, and creditor rights, which influence legal standing and recoverability in distressed lending situations

• Comprehensive techniques for identifying borrower financial distress and performing risk profiling based on cash flows, industry volatility, and credit history
• Detailed comparison of liquidation and restructuring options, including financial, legal, and reputational trade-offs for lenders
• Real-world case study reviews from industries such as energy, manufacturing, retail, and transportation, enabling participants to apply theory to relevant sectors
• Negotiation frameworks for managing multi-lender syndications, with emphasis on inter-creditor arrangements and shared risk management
• Tools for implementing debt restructuring instruments such as debt-for-equity swaps and asset sales, including valuation techniques and restructuring waterfall modeling
• Understanding of statutory priorities, insolvency frameworks, and creditor rights, which influence legal standing and recoverability in distressed lending situations